Many homeowners will stay with their current lender because they feel like they don't have enough time to explore other options. However, it is important to assess current lender rates and terms during mortgage renewals and consider any life changes that might impact finances. Homeowners should contact a mortgage expert for guidance, and explore potential options such as debt consolidation, home equity use, and refinancing for paying down the mortgage faster or leveraging home equity. It's important not to sign renewal forms without questioning them, so that homeowners can benefit from multiple lenders competing for the best rate and have access to innovative tools that make the process streamlined and optimal.